What Is a 401(k) Plan?
What Is a 401(k) Plan? A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees.
什麼是401(k)退休福利計劃? 401(k) 退休福利計劃是雇主向其員工所提供稅收優惠的定期存款退休帳戶。
What is the contribution maximum? The maximum amount that an employee or employer can contribute to a 401(k) plan is adjusted periodically to account for inflation. As of 2019, the basic limits on employee contributions are $19,000 per year for workers under age 50 and $25,000 for those 50 and up
How to withdrawals from a 401(k) plan? Both traditional and Roth 401(k) owners must be at least age 59½—or meet other criteria spelled out by the IRS, such as being totally and permanently disabled—when they start to make withdrawals. Otherwise, they will face an additional 10% early-distribution penalty tax on top of any other tax they owe.
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文章來源 (Source): https://www.investopedia.com/terms/1/401kplan.asp